Privacy Policy

1. Scope of This Policy

This Privacy Policy applies to our website, contact forms, quote and consultation requests, phone and text communications, and other interactions with our agency.

This policy does not replace any separate privacy notices provided by health insurance carriers, life insurance carriers, or plan administrators when you apply for or enroll in coverage.

2. Information We Collect

• Contact and identity information, such as your name, email address, phone number, mailing address, and preferred language.
• Insurance and eligibility information, such as household size, ZIP code, income range, age range, and coverage interests.
• Health-related information you choose to provide in consultation or enrollment contexts.
• Technical and usage information, such as IP address, browser type, device information, pages visited, and referral source.
• Communication records, including emails, call summaries, and text message history when you contact us.

3. How We Use Information

• Provide insurance consultation, quotes, plan comparisons, and enrollment assistance.
• Communicate with you about your requests, appointments, and policy servicing needs.
• Verify eligibility and assist with applications through insurance carriers or approved enrollment platforms.
• Improve our website, user experience, and service quality.
• Comply with legal, regulatory, licensing, and recordkeeping obligations.

4. Legal and Regulatory Context

As an insurance agency operating in Florida, we handle information under applicable federal and state frameworks, which may include Gramm-Leach-Bliley Act (GLBA) obligations and Florida information security and breach notification requirements (including Section 501.171, Florida Statutes) where applicable.

When protected health information is involved in health coverage processes, we apply safeguards consistent with HIPAA requirements where applicable to our role and our carrier partners. This Privacy Policy is not a substitute for a carrier or provider Notice of Privacy Practices.

5. When We Share Information

We do not sell your personal information. We may share information only as reasonably necessary with:

• Insurance carriers, underwriting entities, and plan administrators to process quotes, applications, enrollments, and policy servicing.
• Technology vendors and service providers that support communications, hosting, analytics, CRM, and operations under confidentiality and security obligations.
• Regulators, law enforcement, or other parties when required by law, legal process, or licensing obligations.
• Successors in connection with a merger, acquisition, or business transfer, subject to applicable protections.

6. Cookies and Analytics

Our website may use cookies or similar technologies to support core functionality, site performance, and analytics. You can manage cookies through your browser settings.

7. Text, Call, and Email Communications

If you provide your phone number or email, you consent to receive communications related to your inquiry, quote, enrollment, and servicing. Message and data rates may apply for text messages.

You may opt out of marketing communications at any time. For SMS, reply STOP. For email, use the unsubscribe instructions when available or contact us directly.

8. Data Retention

We retain information for as long as necessary for the purposes described in this policy, including client service, legal and regulatory requirements, dispute resolution, and business operations.

9. Data Security

We maintain administrative, technical, and physical safeguards designed to protect information from unauthorized access, use, or disclosure. No method of transmission or storage is fully guaranteed, but we take commercially reasonable measures to reduce risk.

10. Your Privacy Choices and Rights

To exercise any request, contact us using the details below. We may need to verify your identity before processing certain requests.

• You may request access to or correction of certain personal information, subject to legal and operational limitations.
• You may request deletion of certain data where permitted by law and where retention is not required for legal or regulatory purposes.
• You may request details about how we use and disclose your information by contacting us.

11. Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information directly from children under 13 through our website.

12. External Links

Our site may contain links to third-party websites or carrier portals. We are not responsible for the privacy practices of those third parties.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised version with an updated effective date on this page.

14. Contact Us

For questions, requests, or concerns about privacy, contact Yanda Insurance Financial INC using the contact details below.

15. Important Notice

This Privacy Policy is provided for transparency and general information. It is not legal advice. For legal determinations regarding privacy obligations, consult qualified counsel.